: Strong agent network and competitive rates for young drivers.
: Standard policies typically require at least $15,000 in Personal Injury Protection.
: Noted for having the best customer service scores in the Mid-Atlantic region. new jersey auto insurance quotes
: Expect higher quotes if you live in densely populated areas like Jersey City or have a recent violation on your record. Community Perspectives
: Rates often 26% lower than the state average and a highly-rated mobile app. : Strong agent network and competitive rates for
: Budget-conscious drivers and young adults looking for low premiums.
For 2026, and GEICO are the top-rated providers for New Jersey auto insurance, consistently offering the best balance of low rates and high customer satisfaction. New Jersey is a no-fault state with some of the highest premiums in the U.S., averaging roughly $219 to $271 per month for full coverage. Top-Rated Insurance Providers : Expect higher quotes if you live in
: Those who prefer working with a dedicated local agent. Estimated Monthly Quotes (2026 Averages) Coverage Type Average Monthly Rate Top Budget Option Minimum Coverage $118 – $236 GEICO (~$69) Full Coverage $257 – $303 GEICO/NJM (~$120-$137) Key New Jersey Requirements